Small Business Banking

As a small business owner, you will want to focus on banking features that are available, useful and help you realize success with your company. Each financial institution offers unique small business banking programs and packages. There are free business checking accounts, business savings accounts, loans and credit card services as well as online features from credit unions and banks to consider while conducting business. You will want to become familiar with their products so you can choose which will work for you and your business.

When looking at the selection of credit unions and banks, you will see many types of small business banking services that can meet your needs. Some credit unions and banks offer free business checking accounts, while others require a minimum balance. You may need after hour depositing and many small business banking programs include this. Most banks and credit unions offer a debit card or check card with the opening of a free business checking account. This can prove to be a convenient and efficient way to make purchases for your business. You may have an option of an unlimited amount of transactions when you start a free business checking account with your credit union or bank. Check with your financial institution, as there may be limits on usage and account balances.

You will have plenty of options when you open a business savings account. Overdraft protection can certainly be useful when you use your business savings account to cover any overages by your business checking account. Your business funds can earn money with an interest bearing savings account. Each financial institution will set their terms for the amount and the length of the deposit for this type of business savings account. CD’s and money market savings accounts are offered as another source of generating money with your business savings account.

Most small businesses need capital for start up, growth and expansion, and even help through lean times. Credit Unions and banks offer loans and even business credit cards to cover these needs. Many small companies take advantage of business credit cards for convenience and flexibility with their working capital. An example of this would be when using your card to cover the gap in payment for goods and services that your business has invoiced. Small business loans can be an essential element for expansion in the event that you do not have the capital to cover the cost of growing your company. While you can’t predict the future, knowing that your business can take on a loan to assist you through difficult times can put your mind at ease.

Small business banking has grown with the digital age and most banks and credit unions now extend online services to their business customers in addition to free checking and savings accounts. Such services can include taking of care of your accounts payable online, monitoring free business checking and business savings account activity, receiving account alerts at your email or mobile device, bill payment and transferring funds between accounts with the push of a button. Statements through the mail can literally be a thing of the past with online banking. Online small business banking services even allow for the use of accounting software such as Quicken® or Microsoft Money® so that your financial picture can be managed with great ease.

VoIP Businesses Solutions – Simplifying the Process of Communication

It has been truly witnessed that every business is based on five main factors: requirement, money, hurry, trust and desire. Each of these factors compliment one another. As a matter of fact, they are closely linked with each other that ultimately inculcates profit at the end. As such, we can say every business establishments create a vision and tries to articulate that vision in order to venture into competition at ease. However, here in this context we cannot ignore an important fact. Actually communication is the most important factor that should be very effective and cost-effective too. This factor actually acts as a catalyst in an business process. In fact, replacing an outdated telephone system or upgrading the active one needs various things. One should the best dealer that would affectively evaluate the needs of the business. The VoIP business solutions can be cited as the best technology to be banked upon.

Basically with the inception of the business VoIP solutions, a normal person and even a businessman has been benefited. These solutions have facilitated them to access long distance and international calls at very cheap rates. In fact, this affordability feature can efficiently justify the rising cost of communication all around the globe. As such switching over to the VoIP technology is just logical. Moreover, these solutions intensify the satisfaction of the users with enhanced call productivity. The users can even exchange data or video files over the unified IP network.

The business VoIP solutions actually vary among the various types of business as they are typically supported by type, operations and size of the business. Consequently, the best solutions would offer you the best benefits in terms of flexibility, security and scalability to the VoIP solution users. These effective solutions would permit the end users to experience seamless connectivity. Quite interestingly it has also been witnessed that while accessing the high-end business calls, the users can even avail various extra features. Additional features like access to email accounts, high speed Internet access and live chats can be enjoyed simultaneously.

Most importantly it must be noted that there are basically two kinds of business VoIP solutions- IP Centrex and call termination. The business users can opt for any solution that would appropriately suit all their business requirements. These high-end solutions are in alignment with the packet switching technology that offers business-class phone options too. This effective technology has highly influenced and incited most of the business establishments to switch over to the high-end voice solutions to enjoy the ultimate benefits. It is actually a very reasonable alternative option as the ultimate aim of the business and corporate houses are to see the face of profit. Moreover, when the monthly bills get reduced to up to 50 percent anybody would feel attracted towards it.

Small Business Marketing Strategies for Tackling Big Competitors

One of the great challenges facing small business owners is that they must often battle for customers against larger competitors, who can afford to run more advertising, offer lower prices, and who are better established in the marketplace.

And yet some small business owners do it very successfully. How?

There are some proven marketing strategies to use when competing against larger, more established competitors. These strategies have been used successfully by companies of all sizes to drive sales and carve out a sustainable position in the market. They apply to online commerce and traditional small businesses.

Here are details on two such strategies that you can use as a small business owner to help grow your business when competing with larger competitors:

Take the “Alternative” Position

If you are up against the market leader in your business, shift your market position so you don’t compete directly with them on their turf. Become the “alternative” to the market leader – that is, promote and advertise an aspect of your product/service that the leader simply can’t offer. This is a classic marketing strategy that has been used successfully by small companies and major corporations, because it allows you to compete with the leader in a part of the market where they may not be very strong.

Pepsi couldn’t beat Coke at the cola wars, because Coke was viewed as the original cola drink that had no substitutes. That was fine with Pepsi. It let Coke have that territory, and instead marketed itself as the “Choice of a New Generation”. Its marketing appeal and target audience was young and cool – everything that Coke couldn’t be with their more traditional positioning. Pepsi successfully carved out the number 2 position in the market by becoming the primary alternative to Coke, and made billions in the process.

The rule applies to everything from .com companies to local furniture stores. Survey the competitive landscape in your market and determine how you can position your business as the best alternative to the established market leader. Second place in a given market can be a very nice place to be from a profitability standpoint.

Sell what they don’t have – You!

Many small business owners have found success by building their personal reputations as experts in their field, with significant benefits to their small business. They have become the “public face” for their company.

Some large companies have a “public face”, a person who represents the company in the minds of customers (Richard Branson for Virgin is one). But most don’t. As a small business owner, you can effectively represent yourself as an expert in your area of expertise, and drive awareness for your small business in the process.

One of the most effective ways to build your reputation is through the credibility that comes from publicity and media relations activities.

Here are some guiding principles to working with the media as a small business owner:

View it as a relationship – reporters need story ideas and expert sources – you can offer both when it comes to your area of expertise to create a win-win situation

Pitch story ideas about what’s new and what’s changing – the media likes to break news about emerging trends, either in your industry or related to your experience as a small business owner

Strive for repeat business – once a reporter has identified you as a good source of information on a topic, they will keep coming back to you – so ensure that early in your relationship you are available to them and willing to offer help in getting information for them to pull a story together

Having a single person leading the charge to build media relationships and run the company makes it easier to transfer the goodwill that you achieve in the media over to your business activities. This doesn’t work nearly as well for larger companies, so leverage this competitive advantage and take a personal approach to building your business through publicity.

You Can Compete!

Small business marketing is all about leveraging the built-in advantages of being a small enterprise in the battle against larger competition for customers and sales. Establishing your business as an alternative to the market leader in your business, and building personal credibility that can be transferred to your small business are just two strategies that you can implement to help your small business succeed against bigger competitors.

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